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Your comparison2 of 4 cards selected
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Unofficial MPChat-inspired card design concept; not an issued card design
52Overall

Best fit

  • MPChat Pay users allocating USDT to a separate Visa spending balance.
  • Choosing Cloud for online payments or Boundless for physical-card use.

Before you choose

  • Each purchase costs 0.8%, plus variable USDT conversion and any issuer FX.
  • Cloud costs 10 USDT; Boundless costs 100 USDT and charges 2% for ATMs.
Read review
ether.fi Core purple card back
86Overall

Best fit

  • Spending Liquid USD directly from Earn without a separate withdrawal.
  • Keeping bank transfers and everyday Visa spending in one account.

Before you choose

  • ETHFI rewards require a manual claim, a 7-day hold and a $5 minimum.
  • Core's first virtual card has a $10 issuance fee in selected countries.
Read review
2 of 4 cards selected

Fees, rewards & everyday use

Compare the details

MPChat Card52
ether.fi Cash Card86
01

Scores

Overall Score
MPChat Card: 52
ether.fi Cash Card: 86
Cashback score
MPChat Card: 18
ether.fi Cash Card: 84
Travel score
MPChat Card: 72
ether.fi Cash Card: 82
Funds control score
MPChat Card: 41
ether.fi Cash Card: 96
Lowest fees score
MPChat Card: 60
ether.fi Cash Card: 65
Transfers score
MPChat Card: 58
ether.fi Cash Card: 100
02

Costs

Plan cost
MPChat Card: $0
ether.fi Cash Card: $0
FX fee
MPChat Card: 0%
ether.fi Cash Card: 0–0.5%
Top-up fee
MPChat Card: USDT on Tron (TRC20); minimum received 10 USDT; allocate Pay balance to card
ether.fi Cash Card: Not disclosed
Card spending fee
MPChat Card: 0.8%
ether.fi Cash Card: Not disclosed
ATM fee
MPChat Card: Boundless only: 2%, minimum $1; Cloud has no ATM access
ether.fi Cash Card: Core/Luxe: 10 provider-fee-free ATM withdrawals per month. Later provider fees are unconfirmed; ATM operator charges may apply. Pinnacle/VIP: Unlimited provider-fee-free ATM withdrawals; $5,000 per withdrawal, five attempts, including declines and $25,000 per rolling 24 hours still apply. ATM operator charges may apply.
Virtual card
MPChat Card: Cloud: 10 USDT one time
ether.fi Cash Card: Core first virtual normally $0; $10 in AR, BD, BO, CO, EC, MY, MX, NG, PE, PH, ZA and TH.
Physical card
MPChat Card: $100
ether.fi Cash Card: By membership
03

Plans & rewards

Entry plan
MPChat Card: Cloud Card
ether.fi Cash Card: Core
Base cashback
MPChat Card: Not disclosed
ether.fi Cash Card: 3%
Max cashback
MPChat Card: Not disclosed
ether.fi Cash Card: 4%
Reward currency
MPChat Card: Not disclosed
ether.fi Cash Card: ETHFI
Cashback cap · entry plan
MPChat Card: Not disclosed
ether.fi Cash Card: Not disclosed
Top cashback plan
MPChat Card: Not disclosed
ether.fi Cash Card: VIP
Cashback on top plan
MPChat Card: Not disclosed
ether.fi Cash Card: 4% in ETHFI
Top plan price / access
MPChat Card: Not disclosed
ether.fi Cash Card: Invite only · requirement
Selected Subscriptions rewards
MPChat Card: Not listed
ether.fi Cash Card: 30% · VIP
04

Everyday use

Network
MPChat Card: Visa
ether.fi Cash Card: Visa
Card formats
MPChat Card: Virtual, Physical
ether.fi Cash Card: Virtual, Physical
ATM withdrawals
MPChat Card: Available
ether.fi Cash Card: Available
Mobile wallets
MPChat Card: Google Pay
ether.fi Cash Card: Apple Pay, Google Pay
Apps
MPChat Card: Not disclosed
ether.fi Cash Card: iOS, Android, Web
Daily spending limit
MPChat Card: $250,000 / day
ether.fi Cash Card: See regional limits
Monthly spending limit
MPChat Card: $1,000,000 / month
ether.fi Cash Card: Monthly program cap shown in app; cashback caps are tiered separately
ATM limit
MPChat Card: $1,500 / day
ether.fi Cash Card: $25,000 / 24 hours
05

Money in & out

Networks
MPChat Card: Tron (TRC20)
ether.fi Cash Card: Optimism, Ethereum, Arbitrum, Base, HyperEVM +11
Stablecoin deposits
MPChat Card: USDT
ether.fi Cash Card: USDC, USDT, EURC, frxUSD, LiquidUSD
Other crypto deposits
MPChat Card: Not disclosed
ether.fi Cash Card: beHYPE, eBTC, ETHFI, LiquidBTC, LiquidETH +8
Fiat deposits
MPChat Card: Not disclosed
ether.fi Cash Card: USD ACH, USD Fedwire, EUR SEPA +11
Crypto transfers
MPChat Card: External USDT withdrawal
ether.fi Cash Card: Vault crypto withdrawals
Internal transfers
MPChat Card: Not disclosed
ether.fi Cash Card: Not disclosed
Bank transfers
MPChat Card: Not disclosed
ether.fi Cash Card: USD ACH, USD Fedwire, EUR SEPA +3
Payout currencies
MPChat Card: Not disclosed
ether.fi Cash Card: USD, EUR, GBP, AED, AUD +25
06

Earn

Advertised APY
MPChat Card: Not offered
ether.fi Cash Card: Up to 5.47% APY
How it works
MPChat Card: Not offered
ether.fi Cash Card: Earn on spending balance, Borrow against collateral, Optional earn vault
Separate deposit
MPChat Card: Not offered
ether.fi Cash Card: Not disclosed
Use balance for spending
MPChat Card: Not offered
ether.fi Cash Card: Not disclosed
Lock-up
MPChat Card: Not offered
ether.fi Cash Card: Not disclosed
07

Trust & sources

Custody
MPChat Card: Custodial
ether.fi Cash Card: Non-custodial
Control until payment
MPChat Card: Provider controls funds
ether.fi Cash Card: You keep control
Card issuer
MPChat Card: Not disclosed
ether.fi Cash Card: Third National
Deposits & withdrawals
MPChat Card: Not disclosed
ether.fi Cash Card: SEPA third-party provider
Programme operator
MPChat Card: Not disclosed
ether.fi Cash Card: ether.fi, Ether.Fi SEZC
Official sources
MPChat Card: 30
ether.fi Cash Card: 37
Last reviewed
MPChat Card: Nov 12, 2026
ether.fi Cash Card: Nov 12, 2026

Sign-up Offers

Unofficial MPChat-inspired card design concept; not an issued card design

MPChat Card

Partner offer

5 USDT after first virtual card approval

Complete application and card approval; the reward is credited to MPChat Pay after approval.

MPChat's friend-benefits page states 5 USDT after first virtual-card approval; one application guide uses 5 USD wording.

Offer details & conditions

Download MPChat through this referral link.

Download MPChat through the referral link.

Enter coupon ID 76912265 during activation of your first virtual card.

Enter this coupon ID during first virtual card activation76912265

The offer is for a referred user's first virtual card; Boundless physical-card activation is not confirmed as eligible.

MPChat's friend-benefits page states 5 USDT after first virtual-card approval; one application guide uses 5 USD wording.

Get MPChatRead review
See other offers

Partner links may earn us a commission. They never affect scores or rankings. Affiliate disclosure

Using the comparison

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How do I add or replace a card?

Open Change cards, choose two to four cards and apply your selection. The same control stays beside the section menu as you scroll through the table.

Which plan do the cashback figures describe?

Entry-plan and top-plan rewards have separate rows, with the plan name shown for each. A headline maximum can apply to a bonus category rather than every purchase. The info icons beside the figures show their qualifying terms.

What is the difference between the cashback caps?

A cashback cap limits the rewards you earn. A full-rate spend cap limits the purchases earning a particular rate; a lower rate may apply afterwards. A redemption cap limits how much you can redeem. These are separate rows because they measure different things.

Does Not disclosed mean a fee is zero?

No. It means we do not have a published figure for that item. Confirmed zero fees appear as 0% or $0. Tap an info icon for plan, asset or regional conditions attached to a published fee.

Do partner offers influence the scores?

No. Scores and rankings follow our published methodology. Partner links, signup offers and commissions never change those calculations.

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